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Douglas Howard
About | Practice Areas
Howard Law Group, P.L.L.C.
213 Saint Clair St Ste 101 Frankfort, KY 40601» view map
Bankruptcy & Debt
Where Dedication Meets Experience

At Howard Law Group, PLLC, our Frankfort lawyer has devoted his entire practice to helping clients understand their rights and helping clients make empowered legal decisions.

800-716-8131
1. Douglas Howard Frankfort, KY
  Attorney at Law - KY, 1998
  Columbus School of Law J.D. 1998
2. AboutHoward Law Group, P.L.L.C.
  Detailed Preparation & Simple Solutions
3. Practice AreasExpertise
  Bankruptcy & Debt
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Includes: Bankruptcy Litigation, Commercial Bankruptcy, Consumer Bankruptcy, Dissolution

Marcus Lee Vanover

Adoption, Bankruptcy, Corporate, Business Organization

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48 Public Square, Somerset, KY 42501

D. Bruce Orwin

Construction, Wills, Corporate, Bankruptcy

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116 North Main Street, Somerset, KY 42502

Jeffrey Hoehler

Personal Injury, Bankruptcy, Workers' Compensation, Collection

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FREE CONSULTATION

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157 N. Main St., Monticello, KY 42633

Gordon T Germain

Education, Real Estate, Bankruptcy, Car Accident

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43 W Columbia Ave, Monticello, KY 42633

Jeffrey Hoehler

Social Security -- Disability, Workers' Compensation, Bankruptcy, Personal Injury

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157 N. Main Street, Monticello, KY 42633

Mary-Ann Smyth

Family Law, Divorce & Family Law, Bankruptcy, Bankruptcy & Debt

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Corbin, KY 40702

Larry E Conley

Civil Rights, Bankruptcy, Bankruptcy & Debt, Medical Malpractice

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714 S Main St, Corbin, KY 40701

Maxie E Higgason

Bankruptcy, Personal Injury, Traffic

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109 W 1St St, Corbin, KY 40701

Jane Adams Venters

Family Law, Divorce & Family Law, Bankruptcy, Bankruptcy & Debt

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506 North Main Street, Somerset, KY 42501

Lois Renfro-Morris

Public Interest Law, Bankruptcy

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Barbourville, KY 40906

800-814-6700

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LEGAL TERMS

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

FCBA

See Fair Credit Billing Act.

FCRA

See Fair Credit Reporting Act.

SAMPLE LEGAL CASES

MPM Financial Group, Inc. v. Morton

... This case is before this Court on a grant of discretionary review to determine whether KRS 427.170, which incorporates by reference the federal bankruptcy exemptions of 11 USC Â§ 522(d), applies only to debtors in bankruptcy proceedings, or whether it renders those ...

Wilson v. Paine

... Opinion of the Court by Justice CUNNINGHAM. Pursuant to CR 76.37(1), this Court granted the certification request of the United States Bankruptcy Court for the 286 Western District of Kentucky to answer the following question of Kentucky law: ...

Kentucky Bar Ass'n v. Leadingham

... Allen Walker. Michael and Leigh Ann Perdue. 12. Michael and Leigh Ann Perdue hired the Respondent to represent their interests in a bankruptcy action in June, 2003. The Respondent quoted a fee of $800 for the case. On or ...

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Revelo Bankruptcy Lawyer, Kentucky

Sponsored Law Firm

Howard Law Group, P.L.L.C.

SPONSORED LAWYERS

Marcus Lee Vanover

D. Bruce Orwin

Jeffrey Hoehler

Gordon T Germain

Jeffrey Hoehler

Mary-Ann Smyth

Larry E Conley

Maxie E Higgason

Jane Adams Venters

Lois Renfro-Morris

TIPS

LEGAL TERMS

CURRENT MONTHLY INCOME

CREDIT INSURANCE

PRIORITY DEBT

FAIR CREDIT BILLING ACT (FCBA)

DOING BUSINESS AS (DBA)

SUBROGATION

ADMINISTRATIVE EXPENSES

FCBA

FCRA

SAMPLE LEGAL CASES

MPM Financial Group, Inc. v. Morton

Wilson v. Paine

Kentucky Bar Ass'n v. Leadingham

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